Founding Partner of Klosters Capital. With over 30 years of experience in the financial sector, between 1994 and 2011 he held various executive positions in the private banking division of Banco Santander in Spain, Switzerland, and the United States. During that period, he served as Commercial Director for the Americas and Director of the Private Wealth Division of Santander Private Banking. He subsequently joined Andbank in Miami as Partner & Managing Director, where he worked from 2011 to 2016.

Javier holds a Bachelor's Degree in European Business Administration (ICADE E-4) from the Comillas Pontifical University in Madrid and a Diploma in Business Administration from the University of Reutlingen, Germany. He holds a General Management Program (PDG) from IESE and a FINRA Series 65 license.

Raúl Zubillaga has more than 30 years of experience in the financial sector, prior to joining Klosters Capital in 2020.

Throughout his professional career, he has held various management positions in the investment area of ​​Santander Private Banking (Head of Advisory Solutions), Sun Trust Bank (Head of Client Solutions) and Citi Private Bank in Miami (Chief Investment Officer & Head of Global Client Reporting).

Raúl is a CFA, holds a degree in Finance from Florida International University in Miami, and a Leadership Program from Harvard Business School.

Before joining Klosters Capital in 2016, Nuria was involved in the real estate industry in Miami for eight years. She began her professional career at CB Richard Ellis and Aguirre Newman in the commercial sector and subsequently focused her work in the residential sector at Great Properties International.

Nuria holds a degree in Law and Business Administration and Management from the Autonomous University of Madrid and is a Sales Associate (Florida DBPR).

Erik has over 25 years of experience in the international financial sector, prior to joining Klosters Capital in 2019.

Since 1997, he has provided independent financial advice to high-net-worth families in Latin America, the United States, and Europe, holding management positions at various international financial institutions specializing in wealth management in the United States and Europe, including Santander and Bank of America, among others.

Erik holds a degree in Economics from the Andrés Bello Catholic University in Caracas and a FINRA Series 65 license.

Vicente has over 25 years of experience in Wealth Management prior to joining Klosters Capital.

Throughout his career, he has advised high-net-worth families in Mexico and several European countries, holding management positions in Switzerland and Mexico at leading private banking institutions such as Santander, Andbank, HSBC, and Lombard Odier.

Vicente holds a CFA and a degree in International Relations from the Graduate Institute of International and Development Studies in Geneva, Switzerland.

Gonzalo has 20 years of experience in Wealth Management and Investment Banking, prior to joining Klosters Capital.

He began his career as an Investment Banker at Santander in Spain, specializing in Project & Acquisition Finance. He then moved to Miami, where he managed a portfolio of Mexican clients for Santander Private Banking for eight years. He later became an associate at Ceres Global Advisory in Miami and embarked on other business ventures.

Gonzalo holds a degree in Business Administration and Management from the Complutense University of Madrid.

Borja has extensive experience in the financial sector throughout his career before joining Klosters Capital.

After beginning his career at Accenture, he worked for several years in Private Banking in Spain at Morgan Stanley and Santander. He subsequently began covering the Chilean market with Santander Private Banking in the United States and then with Credit Suisse based in Chile. In recent years, he has been associated with Ceres Global Advisory and has participated as an entrepreneur in several venture capital projects.

Borja holds a degree in Business Administration and Management from CUNEF (Complutense University of Madrid) and an MBA from ESE Business School (Universidad de los Andes in Santiago, Chile).

Hernán has over 10 years of experience in Private and Corporate Banking, gained in the Chilean financial market.

After several years as an officer in the Chilean Navy, he began his financial career at Banco de Crédito e Inversiones (BCI) in the areas of operations and cash management in corporate and private banking. He later served as head of Investing & Lending at Credicorp Capital Chile, a Peruvian investment bank with presence in Peru, Chile, Colombia, and Peru.

Hernán holds a degree in Mechanical Naval Engineering from the Chilean Naval Polytechnic Academy and holds the CAMV (Chilean National Chamber of Commerce) and EFPA (European Investment Practitioner) accreditations.

With more than 25 years of experience in the financial sector, throughout his career he has held various management positions in financial institutions such as Merrill Lynch, Wachovia Securities, and First Clearing LLC, in Venezuela, Panama, the United States, and Switzerland.

Juan Carlos Riera is a Founding Partner and President of ICS (International Compliance Solutions) and holds, among others, the Certified Anti-Money Laundering Specialist (CAMS) and Certified Professional – Anti-Money Laundering (FIBA / Florida International University) licenses.

Juan Carlos holds a law degree from the Andrés Bello Catholic University (UCAB) in Caracas and has completed advanced studies at the University of Richmond in Virginia and the School of Global Management at Thunderbird University.